Where can I read the Terms & Conditions?

Where can I read the Website Usage Policy?

Where can I read the Privacy Policy?

What is the Federal Trade Commission (FTC)?

The Federal Trade Commission (FTC) enforces a variety of federal antitrust
and consumer protection laws, including the federal Fair Credit Reporting
Act (FCRA). The FTC ensures that consumers, consumer reporting agencies,
and lenders are treated in a fair and equitable manner. You can learn more
about the FTC here by visiting
www.ftc.gov.

What is the Fair Credit Reporting Act (FCRA)?

Read all about the Fair Credit Reporting Act in the Identity Theft
Resources,
Your Rights

What if I have a complaint?

Merchants is committed to providing world-class service to each of our
customers. If you do not receive exceptional service from us for any
reason we would like to hear about it. All complaints are taken very
seriously and are appreciated, as it affords us an opportunity to improve
our standards. If you have a complaint, please don't hesitate to contact
us via the following methods:

How much does it cost to enroll in SmartIDentity?

What type of coverage will I get with my enrollment?

No matter which solution you are covered under, you can have the peace of
mind you are covered by our Best In Class — Fully-Managed Recovery.
For details on your coverage, visit the Services page. If you're already
enrolled, simply login to your Identity Care Center to view the details of
your coverage.

Will my enrollment cover my family, or just me?

You can select Individual or Family coverage at the time you enroll. If
you're unsure about which coverage you currently have, click on My Profile
within your Identity Care Center.

Can I change my coverage to include my family?

Yes, if you'd like to modify your coverage from an Individual to a Family
solution, simply visit the Upgrade tab within your Identity Care Center.

How do I cancel my coverage?

If you wish to cancel your plan, please call the customer service number
shown below. If you are paying monthly, your plan will be canceled at the
end of the month in which the cancellation request is received. You are
responsible for making payment for the months during which benefits are in
effect. If you have paid on a quarterly, semi-annual or annual basis, your
plan will be canceled at the end of the month in which the cancellation
request is received and we will refund any unused portion of the
pre-discount monthly payment.

1-866-762-7868

Credit Reports & Scores

What is authentication?

Authentication is a process used to verify your identity. During the
enrollment process, you will be asked a series of questions relating to
your credit history. These questions along with your personal information
are used to verify your identity and allow you access to credit products
through the Credit Reporting Agencies: Equifax, Experian and TransUnion.
If you have any issues completing the authentication process, please call
our Support Center at: 1-866-762-7868.

What is a Credit Report?

Who can look at my Credit Report?

Section 604 of the Fair Credit Reporting Act (FCRA) sets forth
requirements, called "permissible purposes", that must be met
before anyone can inquire into your confidential credit file. A few of the
most common permissible purposes are:

In response to the order of a court or a Federal grand jury subpoena

For the extension of credit or insurance

To review or pursue collection of an account

For employment purposes or to grant a license

To establish eligibility for a government benefit

In response to a request by a child support enforcement agency

You can find the complete text of the FCRA by visiting the
Federal Trade Commission's website
www.ftc.gov.

What are inquiries, which appear on my Credit Report?

There are two types of inquiries. The first type of inquiry is initiated
by a creditor who may wish to grant you credit (called
"prescreening"). These inquiries do not affect your credit
worthiness and will not be seen by potential creditors. However, they will
appear on your report because you have a right to see all types of
inquiries on your file. The second type of inquiry, where you initiated
the application for credit, will appear on your report as well as any
potential creditor's report. Inquiries may be removed after 2 years.

How often should I review my report?

Experts recommend reviewing your credit report at least once each year and
prior to making any major purchase. If you've been a victim of fraud or
have a common name, you may wish to view your report more frequently.

What about repair clinics that promise to remove bad credit?

Buyers beware! If an organization claims it can remove negative, but
accurate credit information from your credit report, they are either lying
or committing fraud. Consumers can dispute inaccurate information directly
with the credit reporting agency for free or at minimal cost. No one can
legally remove accurate negative information from your credit report.

How long does information stay in a credit file?

As a general rule, information remains in your credit file for 7 years
from the date of last activity or the date the document was filed with the
courts. For example, Chapter 13 Bankruptcy would remain in your file for 7
years from the filing date.

What is a Credit Score?

Why does my score matter?

Lenders use credit scores to determine whether or not to grant you credit.
Your score also dictates how much you will pay for the credit you acquire.
For example, someone with a high credit score will probably qualify for
loans with lower interest rates than someone with less-than-perfect
credit.

Why don't I have a score?

If you have little or no experience using credit, there is no history to
judge your future creditworthiness. To establish a credit history, you
might consider applying for a secured credit card through your bank or
credit union.

Is there more than one type of score?

Yes, different lenders have different criteria for approving loans.
Therefore, lenders use a variety of credit scoring algorithms (many are
even customized).

How many inquires will hurt my score?

When you request credit, the lender will pull a copy of your report
resulting in an inquiry. Multiple, frequent inquiries can negatively
affect your score. Inquiries generated by creditors considering whether
or not to solicit your business will appear on your report, but do not
affect your score in any way.

Does pulling my credit report hurt my score?

No. You can pull your own credit report as often as you wish without
affecting your credit score.

How often does my score change?

As information is updated by your lenders, your score will change.
Therefore, your score can vary from day to day; however, most
scores do not change more than a few points each month.

Can I request a credit report, credit score or initiate credit monitoring for my minor child?

No. If your child is a minor, he or she really shouldn't have a credit file. After all,
your child isn't eligible for credit cards, mortgages, or other loans—the kinds of items
that would appear on a credit report.

If they have never had credit issued in their name, they would not have a credit history,
and credit scores could not be calculated and credit monitoring cannot be initiated.

If you suspect your minor child is a victim of identity theft, there are three nationwide
credit reporting companies: Equifax, Experian, and TransUnion. Contact each credit reporting
company and ask it to search to see if your child has a credit report. Each company will
check for files related to your child's name and Social Security number, and also for files
related only to the Social Security number. You must provide the credit reporting companies
with proof that you are the child's parent or legal guardian

Why can't I initiate credit monitoring?

You must have a sufficient amount of credit history established with the national credit reporting
agencies in order to establish credit monitoring.

Identity Care Center

What is Identity Care Center?

This is your portal to view all the products and services which you are
currently enrolled in.

How do I view my credit report and score?

Credit Report & Score tab of your Identity Care Center. If you have
any reports available for viewing, a link will appear next to the date the
report/score was generated. The links expire 60 days after receipt. Please
save or print a copy of each report for reference if you require access to
the information beyond 60 days.

What do I do if I don't understand my credit report and score?

Please contact the Support Team at 1-866-762-7868 for any
questions you may have regarding your credit report.

How do I get an updated Credit Report and Score?

You have access to purchase updated reports and scores through your
Identity Care Center on the Credit Report & Score tab within your
Identity Care Center.

How does credit monitoring work?

The Credit Reporting Agencies: Equifax, Experian & TransUnion, monitor
your credit report daily for any recent activity such as new inquiries or
recently opened credit cards. Depending on the type of monitoring you
have, you may receive a credit alert from one or all three of the Credit
Reporting Agencies.

How do I receive monitoring alerts?

You will always receive an alert via email and you have the option to
receive alerts via text message as well.

How do I view my monitoring alerts?

Click the Alerts tab within your Identity Care Account. Under the Credit
Monitoring sub menu, there will be an "Alert Details" link you
can click to view your alert history.

What do I do if I don't understand my monitoring alert details?

You may call the Support Team for any questions you have at 1-866-762-7868.

Where can I read the Terms & Conditions?

Where can I read the Website Usage Policy?

Where can I read the Privacy Policy?

What is the Federal Trade Commission (FTC)?

The Federal Trade Commission (FTC) enforces a variety of federal
antitrust and consumer protection laws, including the federal Fair
Credit Reporting Act (FCRA). The FTC ensures that consumers,
consumer reporting agencies, and lenders are treated in a fair and
equitable manner. You can learn more about the FTC here by visiting
www.ftc.gov.

What is the Fair Credit Reporting Act (FCRA)?

Read all about the Fair Credit Reporting Act in the Identity Theft
Resources, Your Rights.

What if I have a complaint?

Merchants is committed to providing world-class service to each of
our customers. If you do not receive exceptional service from us
for any reason we would like to hear about it. All complaints are
taken very seriously and are appreciated, as it affords us an
opportunity to improve our standards. If you have a complaint,
please don't hesitate to contact us via the following methods:

How much does it cost to enroll in SmartIDentity?

What type of coverage will I get with my enrollment?

No matter which solution you are covered under, you can have the
peace of mind you are covered by our Best In Class —
Fully-Managed Recovery. For details on your coverage, visit the
Services page. If you're already enrolled, simply login to your
Identity Care Center to view the details of your coverage.

Will my enrollment cover my family, or just me?

You can select Individual or Family coverage at the time you
enroll. If you're unsure about which coverage you currently have,
click on My Profile within your Identity Care Center.

Can I change my coverage to include my family?

Yes, if you'd like to modify your coverage from an Individual to
a Family solution, simply visit the Upgrade tab within your
Identity Care Center.

How do I cancel my coverage?

If you wish to cancel your plan, please call the customer service
number shown below. If you are paying monthly, your plan will be
canceled at the end of the month in which the cancellation
request is received. You are responsible for making payment for
the months during which benefits are in effect. If you have paid
on a quarterly, semi-annual or annual basis, your plan will be
canceled at the end of the month in which the cancellation
request is received and we will refund any unused portion of the
pre-discount monthly payment.

1-866-762-7868

What is authentication?

Authentication is a process used to verify your identity. During
the enrollment process, you will be asked a series of questions
relating to your credit history. These questions along with your
personal information are used to verify your identity and allow
you access to credit products through the Credit Reporting
Agencies: Equifax, Experian and TransUnion. If you have any issues
completing the authentication process, please call our Support
Center at: 1-866-762-7868.

What is a Credit Report?

Who can look at my Credit Report?

Section 604 of the Fair Credit Reporting Act (FCRA) sets forth
requirements, called "permissible purposes", that must
be met before anyone can inquire into your confidential credit
file. A few of the most common permissible purposes are:

In response to the order of a court or a Federal grand jury subpoena

For the extension of credit or insurance

To review or pursue collection of an account

For employment purposes or to grant a license

To establish eligibility for a government benefit

In response to a request by a child support enforcement agency

You can find the complete text of the FCRA by visiting the Federal
Trade Commission's website
www.ftc.gov.

What are inquiries, which appear on my Credit Report?

There are two types of inquiries. The first type of inquiry is
initiated by a creditor who may wish to grant you credit (called
"prescreening"). These inquiries do not affect your
credit worthiness and will not be seen by potential creditors.
However, they will appear on your report because you have a right
to see all types of inquiries on your file. The second type of
inquiry, where you initiated the application for credit, will
appear on your report as well as any potential creditor's report.
Inquiries may be removed after 2 years.

How often should I review my report?

Experts recommend reviewing your credit report at least once each
year and prior to making any major purchase. If you've been a
victim of fraud or have a common name, you may wish to view your
report more frequently.

What about repair clinics that promise to remove bad credit?

Buyers beware! If an organization claims it can remove negative,
but accurate credit information from your credit report, they are
either lying or committing fraud. Consumers can dispute inaccurate
information directly with the credit reporting agency for free or
at minimal cost. No one can legally remove accurate negative
information from your credit report.

How long does information stay in a credit file?

As a general rule, information remains in your credit file for 7
years from the date of last activity or the date the document was
filed with the courts. For example, Chapter 13 Bankruptcy would
remain in your file for 7 years from the filing date.

What is a Credit Score?

Why does my score matter?

Lenders use credit scores to determine whether or not to grant you
credit. Your score also dictates how much you will pay for the
credit you acquire. For example, someone with a high credit score
will probably qualify for loans with lower interest rates than
someone with less-than-perfect credit.

Why don't I have a score?

If you have little or no experience using credit, there is no
history to judge your future credit worthiness. To establish a
credit history, you might consider applying for a secured credit
card through your bank or credit union.

Is there more than one type of score?

Yes, different lenders have different criteria for approving
loans. Therefore, lenders use a variety of credit scoring
algorithms (many are even customized).

How many inquires will hurt my score?

When you request credit, the lender will pull a copy of your
report resulting in an inquiry. Multiple, frequent inquiries can
negatively affect your score. Inquiries generated by creditors
considering whether or not to solicit your business will appear
on your report, but do not affect your score in any way.

Does pulling my credit report hurt my score?

No. You can pull your own credit report as often as you wish
without affecting your credit score.

How often does my score change?

As information is updated by your lenders, your score will change.
Therefore, your score can vary from day to day; however, most
scores do not change more than a few points each month.

Can I request a credit report, credit score or initiate credit monitoring for my minor child?

No. If your child is a minor, he or she really shouldn't have a credit file. After all,
your child isn't eligible for credit cards, mortgages, or other loans—the kinds of items
that would appear on a credit report.

If they have never had credit issued in their name, they would not have a credit history,
and credit scores could not be calculated and credit monitoring cannot be initiated.

If you suspect your minor child is a victim of identity theft, there are three nationwide
credit reporting companies: Equifax, Experian, and TransUnion. Contact each credit reporting
company and ask it to search to see if your child has a credit report. Each company will
check for files related to your child's name and Social Security number, and also for files
related only to the Social Security number. You must provide the credit reporting companies
with proof that you are the child's parent or legal guardian

Why can't I initiate credit monitoring?

You must have a sufficient amount of credit history established with the national credit reporting
agencies in order to establish credit monitoring.

What is Identity Care Center?

This is your portal to view all the products and services which
you are currently enrolled in.

How do I view my credit report and score?

Credit Report & Score tab of your Identity Care Center. If you
have any reports available for viewing, a link will appear next to
the date the report/score was generated. The links expire 60 days
after receipt. Please save or print a copy of each report for
reference if you require access to the information beyond 60 days.

What do I do if I don't understand my credit report and score?

Please contact the Support Team at 1-866-762-7868 for any questions you may have
regarding your credit report.

How do I get an updated Credit Report and Score?

You have access to purchase updated reports and scores through
your Identity Care Center on the Credit Report & Score tab
within your Identity Care Center.

How does credit monitoring work?

The Credit Reporting Agencies: Equifax, Experian & TransUnion,
monitor your credit report daily for any recent activity such as
new inquiries or recently opened credit cards. Depending on the
type of monitoring you have, you may receive a credit alert from
one or all three of the Credit Reporting Agencies.

How do I receive monitoring alerts?

You will always receive an alert via email and you have the option
to receive alerts via text message as well.

How do I view my monitoring alerts?

Click the Alerts tab within your Identity Care Account. Under the
Credit Monitoring sub menu, there will be an "Alert
Details" link you can click to view your alert history.

What do I do if I don't understand my monitoring alert details?

You may call the Support Team for any questions you have at
1-866-762-7868.